1|Page
CLAIMS ADJUSTER EXAM LATEST TEST BANK WITH
450 QUESTIONS AND CORRECT VERIFIED
ANSWERS/ FL CLAIMS ADJUSTERS TEST 2025/ FL
GENERAL ADJUSTER
Severability - ...ANSWER...✓✓Insurance applies
separately to each insured as if other insureds did not
exist.
Abandonment - ...ANSWER...✓✓Property insurance
policies usually contain a(n) __________ clause, *stating the
insured cannot dump damaged property on the insurer
and demand its full value.*
Insurable Interest - ...ANSWER...✓✓One wherein
economic loss would be suffered from an adverse
happening to the subject.
Liberalization - ...ANSWER...✓✓States that if the insurer
adopts a revision which would broaden coverage without
additional premium within some period of time prior to
the policy period or during the policy period, the insured
receives the benefit of such broadened coverage..
,2|Page
Doctrine of Proximate Cause - ...ANSWER...✓✓States that
when there is an unbroken connection between an
occurrence and damage that grows out of the occurrence,
then the resultant damage is all a part of the occurrence.
Actual Cash Value - ...ANSWER...✓✓The Loss Settlement
Valuation that subtracts an allowance for depreciation
Warranty - ...ANSWER...✓✓A policy condition, either
based on information in the insured's application or
inserted by the insurer
Conditional Contract - ...ANSWER...✓✓The Insurer's
responsibility to pay for a property loss may be
conditioned on the insured having used reasonable
means to avoid the loss, to protect the property against
further loss, and to give the insurer proof of the loss is
defined as?
Under Mechanical Breakdown Coverage, *new cars are
eligible for service up to:* - ...ANSWER...✓✓36
Months/36,000 Miles
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Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, what happens? - ...ANSWER...✓✓The legally
valid claims of others must be satisfied (10/20/10)
The owner and operator must provide certification of
future responsibility for future accidents
As to required proof for future accidents by purchase of
auto liability insurance, the insurer must make a filing
(Form SR-22) certifying that coverage is in effect, and this
certification must remain on file for __________ years -
...ANSWER...✓✓3
The Business Automobile Policy includes all of the
following coverage forms except: - ...ANSWER...✓✓The
Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per
person, per accident limit. - ...ANSWER...✓✓10,000
, 4|Page
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles: -
...ANSWER...✓✓Garage Coverage Form
The following examples are referred to as __________
liability limits: 25/50/25 or 10/20/10. - ...ANSWER...✓✓Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a
$1,000 deductible, how much can he expect his PIP
coverage to pay toward his medical bills that total
$3,000? - ...ANSWER...✓✓$1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
CLAIMS ADJUSTER EXAM LATEST TEST BANK WITH
450 QUESTIONS AND CORRECT VERIFIED
ANSWERS/ FL CLAIMS ADJUSTERS TEST 2025/ FL
GENERAL ADJUSTER
Severability - ...ANSWER...✓✓Insurance applies
separately to each insured as if other insureds did not
exist.
Abandonment - ...ANSWER...✓✓Property insurance
policies usually contain a(n) __________ clause, *stating the
insured cannot dump damaged property on the insurer
and demand its full value.*
Insurable Interest - ...ANSWER...✓✓One wherein
economic loss would be suffered from an adverse
happening to the subject.
Liberalization - ...ANSWER...✓✓States that if the insurer
adopts a revision which would broaden coverage without
additional premium within some period of time prior to
the policy period or during the policy period, the insured
receives the benefit of such broadened coverage..
,2|Page
Doctrine of Proximate Cause - ...ANSWER...✓✓States that
when there is an unbroken connection between an
occurrence and damage that grows out of the occurrence,
then the resultant damage is all a part of the occurrence.
Actual Cash Value - ...ANSWER...✓✓The Loss Settlement
Valuation that subtracts an allowance for depreciation
Warranty - ...ANSWER...✓✓A policy condition, either
based on information in the insured's application or
inserted by the insurer
Conditional Contract - ...ANSWER...✓✓The Insurer's
responsibility to pay for a property loss may be
conditioned on the insured having used reasonable
means to avoid the loss, to protect the property against
further loss, and to give the insurer proof of the loss is
defined as?
Under Mechanical Breakdown Coverage, *new cars are
eligible for service up to:* - ...ANSWER...✓✓36
Months/36,000 Miles
,3|Page
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, what happens? - ...ANSWER...✓✓The legally
valid claims of others must be satisfied (10/20/10)
The owner and operator must provide certification of
future responsibility for future accidents
As to required proof for future accidents by purchase of
auto liability insurance, the insurer must make a filing
(Form SR-22) certifying that coverage is in effect, and this
certification must remain on file for __________ years -
...ANSWER...✓✓3
The Business Automobile Policy includes all of the
following coverage forms except: - ...ANSWER...✓✓The
Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per
person, per accident limit. - ...ANSWER...✓✓10,000
, 4|Page
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles: -
...ANSWER...✓✓Garage Coverage Form
The following examples are referred to as __________
liability limits: 25/50/25 or 10/20/10. - ...ANSWER...✓✓Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a
$1,000 deductible, how much can he expect his PIP
coverage to pay toward his medical bills that total
$3,000? - ...ANSWER...✓✓$1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
